Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$93,366Cash toward the purchase price.
Closing costs + prepaids$8,960Not just lender fees.
Before credits & paid funds$102,327The complete starting cash picture.
Estimated remaining funds due at closing
$102,327No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,366.42
Your down payment$93,366.42
Closing costs + prepaids$8,960.09
Total buyer cash needed$102,326.52
Remaining funds due$102,326.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,860.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$111.00
Initial HOA (3 months)$495.00
Prepaid interest, first (23 days)$269.09
Fees + prepaids$8,960.09
Your down payment is the seller’s equity. You take over the $92,634 balance, so the rest of the $186,000 price is paid at closing. A second mortgage can cover part of it. $102,326.52 is due at closing. Uses and sources reconcile at $194,960.09 each. Not a Closing Disclosure.